homebldr, a technology-driven investment financing platform, has launched a financing subscription that eliminates its origination fees for 12 months. The product is designed for real estate investors who close multiple deals per year, offering a flat upfront fee in exchange for zero homebldr origination fees on all eligible transactions within a loan volume cap.
Origination fees are typically absorbed as a fixed cost on each deal. At 1.3% on a $417,000 loan, the fee is around $5,421. For an investor closing six deals at that average size over 12 months—totaling $2.5 million in loan volume—the cumulative homebldr origination fees would reach $32,526 under a traditional per-deal model. homebldr founder Adam Eldibany says that when he walks investors through the annual total, the reaction is consistent: the per-deal number felt fine, but the annual number does not.
The homebldr financing subscription comes in three tiers. The Core tier, for investors closing two to three deals per year, covers up to $1 million in loan volume. The Growth tier, described as the best fit for most subscribers, covers up to $2.5 million annually—suitable for investors closing a transaction roughly every couple of months. The Scale tier covers up to $5 million annually for the most active investors. Using the Growth tier example, an investor closing six deals totaling $2.5 million would pay $20,000 under the subscription, a 39% reduction from the $32,526 under the traditional model, saving roughly $13,000. The break-even point arrives when investors use as little as 45 to 65 percent of their allotted loan volume.
Beyond the savings, the subscription fee is paid entirely outside of closing, offering payment flexibility that most investors do not expect. It can be paid by credit card, with other debt, through gifted funds, or via buy now, pay later providers like Affirm or Klarna—with no sourcing requirements. This keeps capital in the investor’s hands rather than at the closing table, which is especially valuable for investors managing multiple projects.
homebldr operates on a broker model, which Eldibany argues provides better terms than investors could get directly. “What many investors do not realize is that the terms being offered to them by direct lenders are retail terms,” he said. “Experienced brokers can frequently access wholesale and preferential pricing from the same capital sources that is not available to investors going through the retail channel.” Many competitive capital sources operate exclusively through the wholesale channel, meaning the only way to access their products is through a broker. Subscribers to homebldr’s subscription typically access wholesale and preferential terms from a network of more than 80 capital partners, including lenders, family offices, and private lending groups, without additional fees or yield spread added on.
For active real estate investors, the subscription model could change how they evaluate financing costs. Instead of treating origination fees as an unavoidable per-deal expense, investors can now consider an annual structure that reduces total costs and improves cash flow flexibility. The product is currently available nationwide for fix and flip, new construction, and long-term rental financing.
